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Fix My Credit File Australia Credit Guide

 

About Us: 

Fix My Credit File Australia is a reputable credit repair company committed to assisting consumers in improving their credit profiles and achieving financial stability. Our founder and CEO, Jade Taylor, leads our team in providing personalised credit repair solutions tailored to each client's unique circumstances.

 

Contact Information: 

Founder and CEO: Jade Taylor 

Phone: 0418 519 871 

Email: freedom@fixmycreditfileaustralia.com.au 

Address: 3 Dorall Street, Kippa-ring QLD 4021 

Website: https://fixmycreditfileaustralia.com.au/ 

Facebook: https://www.facebook.com/fixmycreditfileaustralia/ 

Instagram: @fixmycreditfileaustralia 

Australian Credit Licence: 538261 

AFCA Member: 88964

 

Our Services: 

At Fix My Credit File Australia, we offer comprehensive credit repair services designed to address negative listings on clients' credit files. Our process begins with a free credit file assessment, empowering consumers to understand their credit profiles better. We provide personalized assistance and support throughout the credit repair journey.

 

Additional Free Services Available: 

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1. Access to Free Credit Files: Consumers can obtain free copies of their credit files from the following credit reporting agencies: 

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   - Equifax (formerly Veda): www.equifax.com.au 

   - Experian: www.experian.com.au 

   - Illion (formerly Dun & Bradstreet): www.illion.com.au 

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2. Financial Counselling Services: Consumers experiencing financial hardship can access free financial counselling services through organizations such as: 

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   - Financial Counselling Australia: www.financialcounsellingaustralia.org.au 

   - National Debt Helpline: www.ndh.org.au 

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3. Financial Hardship Assistance: Many financial institutions and utility providers offer financial hardship assistance programs to consumers facing financial difficulties. Consumers can contact their creditors directly to inquire about available assistance options. 

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4. Dispute Resolution Authorities: Consumers have the right to lodge disputes regarding inaccurate or unfair listings on their credit files with the following regulatory bodies: 

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   - Australian Financial Complaints Authority (AFCA): www.afca.org.au 

   - Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au 

 

Fees and Clauses: 

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1. Performance-Based Fees: Our fees are performance-based, meaning clients only pay for results achieved. 

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2. No Upfront Removal Fees: We do not charge upfront removal fees. Clients are only charged once we have achieved successful removal or received written confirmation of removal in progress. 

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3. Audit and Investigation Fee: We charge a small audit and investigation fee of $500, covering the assessment and investigation of all negative listings on the client's credit file. 

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4. Removal Fees: Upon successful removal or confirmation of removal in progress, we charge the following removal fees: 

   - $798 per default listing, clear-out, or serious credit infringement listing, repayment history listing, financial hardship listing, and prevent bad credit service. 

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   - $200 per enquiry removal. 

   - $1,500 per court judgment removal. 

 

Compliance with National Consumer Credit Protection Act 2009: 

Fix My Credit File Australia complies with the National Consumer Credit Protection Act 2009 (NCCP Act) and any regulations made under it. This includes engaging in credit activities responsibly, maintaining competence, and ensuring our services are provided ethically and legally.

 

Privacy and Data Protection: 

We adhere strictly to the Privacy Act 1988, ensuring the confidentiality and security of all personal and credit information we handle. Our privacy policy, available on our website, details how we collect, use, and protect your information.

 

Industry Standards: 

We voluntarily adhere to the highest industry standards and codes of conduct, which sets high standards for ethical and transparent credit repair services in Australia. This ensures our commitment to excellence and integrity in all our operations.

 

Outcome Guarantees: 

While we strive to achieve the best possible outcome for our clients, it is important to note that the success of credit file disputes cannot be guaranteed. Our fees are structured to reflect the efforts and results achieved.

 

Cooling-off Period and Immediate Service Commencement:

 

Cooling-off Period: 

Clients have the right to a cooling-off period of 10 business days from the date of signing our service agreement, during which they can cancel their agreement without any penalty. This period is designed to give consumers the opportunity to reconsider their decision and ensure that our services align with their needs.

 

Immediate Commencement of Services: 

We understand the urgency of credit repair and the value of immediate action. Therefore, upon engagement, we commence the audit and investigation process without delay. To accommodate this, we require clients to acknowledge in writing their consent for services to begin within the cooling-off period. This consent includes an understanding that, should they decide to cancel the service after work has begun, they may be responsible for costs associated with the audit and investigation already performed.

 

Audit and Investigation Fee: 

The audit and investigation fee is an upfront cost that covers the immediate commencement of our services. This fee is non-refundable once the audit and investigation process has begun, reflecting the resources and efforts already expended on behalf of the client. This approach ensures that we can offer our specialized services promptly, providing value to our clients from the outset.

 

Consumer Acknowledgment: 

Before the initiation of services, clients are required to sign a specific acknowledgment agreeing to the immediate start of the audit and investigation process and understanding the implications this has on their cooling-off rights. This ensures that clients are fully informed about the process and agree to the terms under which our services commence.

 

Pro-rata Refund Policy: 

For services rendered beyond the immediate audit and investigation, we offer a pro-rata refund policy. Should a client choose to cancel their service agreement after the cooling-off period has expired, they may be eligible for a refund of fees paid for services not yet rendered, ensuring fairness and transparency in our billing practices.

 

Transparent Communication: 

We commit to transparent and clear communication regarding the potential outcomes, timelines, and the immediate value our services provide. This ensures that our clients have a thorough understanding of what to expect and can make informed decisions regarding their credit repair journey.

 

Legal Compliance: 

Our policies, including those governing the cooling-off period and the immediate commencement of services, are designed to comply with the National Consumer Credit Protection Act 2009, Australian Securities and Investments Commission (ASIC) guidelines, and relevant consumer protection laws. We advise clients to review these terms carefully and consult with legal professionals if they have questions or need further clarification.

 

Complaints and Dispute Resolution: 

We are committed to resolving any complaints efficiently and fairly. Clients who are not satisfied with our service can refer their complaint to our internal complaints handling process, and if not resolved to their satisfaction, to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au.

 

Legal Advice Disclaimer: 

This guide is for informational purposes only and does not constitute legal advice. We recommend consulting a legal professional for advice tailored to your specific situation.

 

Review and Consultation: 

This credit guide serves as an informative resource for consumers seeking credit repair services. We encourage consumers to review this guide thoroughly and seek legal advice if needed to ensure full understanding and compliance with all applicable laws and regulations.

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Document created as of 12 May 2024

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